If you direct or sit on the board of a condo or homeowner’s association, there are some legal rumblings you might want to tune into. A North Carolina lawyer recently wrote a brief recommending that Homeowners’ Associations and Community Associations in that state should have worker’s compensation insurance, even if the board’s only ‘employees’ were executive-level volunteers. The concern is that an executive board member who had a slip and fall or other workplace accident could become a liability to the Association.

Since most boards don’t carry this sort of insurance, the suggestion set off a minor firestorm. People were surprised because the North Carolina statute hasn’t generally been interpreted to include board members or volunteers as ‘employees,’ but it’s apparently more ambiguous than most realized.

A similarly cautious sentiment came last Spring from a Florida-based lawyer, who pointed out that executive slip-and-falls aren’t the only concern. If your association members volunteer to do work for the association – for anything from gardening to repairs to hosting bingo – they can represent a liability to the association.

It’s tempting to dismiss this kind of thinking as paranoid. You might think of volunteers or board members suing your condo or homeowner’s association as a betrayal, and certainly, none of your members and colleagues would do that, right? But worker’s comp insurance in this case serves to protect the entire Association and all of its members, not just the board or the director. If our experts determine that you really might need it (and circumstances vary, so do call us for a consultation), you could be giving every member of your Association a big gift of security.

Medicaments like Prednisone ordinarily is used to solve disorders such as severe allergies. It is very slightly soluble in liquor. Positively most popular is Viagra. What patients talk about Viagra and alcohol? Many doctors know it as Sildenafil. Of course, for a lot of men, bringing up the question in the first place is the toughest stair. Living with erectile dysfunction can definitely complicate dating. Varied soundness conditions can affect the muscles that is needed to have an erection. Remember to diagnose a man’s sexual problem, the sex therapist likely will begin with a thorough history of symptoms.

One of the great things about Florida is that we have friendly weather nearly year-round. But even with the mercury occasionally hitting 80 in January, a lot of boaters put away their rides for the winter.

If you’re among those eagerly awaiting warmer weather, one great way to occupy yourself is with some routine maintenance and preparation. That way, when the sun returns full-time, you won’t miss a minute of it.

Here are a few key things to check:

Check your Hoses: This may be the most important item on this list. Sitting without use can be hard on fuel lines and other rubber or rubberized system components, so before you head back out, check all hoses, belts, and cables for brittleness, cracking, tears, and holes. Worn belts may be visibly loose against their wheels, or leave traces of black dust when touched. Worn cables may look swollen, twisted, or assymetrical. Replacing these will help you avoid much more serious problems!

Freshen Your Engine: Oil can settle and lose its viscosity when left to sit. Before spring, change your oil and oil filters – and while you’re at it, check and refill your steering fluid and coolant.

Go On Rust Patrol: Hopefully, you made sure your boat was free of salt water and residue before you stored it for the winter. But give it a careful once-over anyway – check for any rust on things like tank surfaces and controls, which could lead to long-term damage if not checked. Even more important, look for rust on propellers, shafts, and hull, which can indicate electrical problems.

Test Your Equipment: Sensitive electronics like GPS and radar systems can fail when in storage. Turn them on and give them a whirl before you find yourself in a tricky spot offshore.

Clean and Polish: Nobody likes a dirty boat. Even sitting under cover or inside, your fittings and surfaces will lose their shine and pick up dust and dirt. Then there’s the big kahuna – waxing your hull. This Wikihow article gives a solid overview of how to remove your old wax and give your boat a like-new shine.

Update Your Insurance! Yep, you guessed it. If it’s been a while since you looked at your boat’s insurance coverage, now’s a great time to assess what you have, what you need, and whether you can find a better deal. Scarr Insurance can help you examine your coverage and look at options. So, once you’re done with all the polishing, patching, and touch-ups, give us a call at 1-800-299-5055.

Medicaments like Prednisone ordinarily is used to solve disorders such as severe allergies. It is very slightly soluble in liquor. Positively most pop is Viagra. What patients talk about Viagra and alcohol? Many doctors know it as Sildenafil. Of course, for a lot of men, bringing up the question in the first place is the toughest step. Living with erectile dysfunction can definitely complicate dating. Varied soundness conditions can affect the muscles that is needed to have an hard-on. Remember to diagnose a man’s sexual problem, the sex therapist likely will begin with a thorough history of symptoms.

One of the toughest parts of the job here at Scarr Insurance is hearing the sad stories of individuals who’ve been caught with too little coverage. One very common way this happens is when people assume their off-the-shelf homeowner’s policy provides complete coverage for their personal belongings.

For many people, this is close enough to true. But if you’ve experienced a great deal of success or made wise investments in things like collectibles, antiques, or fine art, it’s very likely that a standard homeowner’s policy is inadequate. Policies have limits on both the total value covered, and on the value covered for any single item. A common liability limit is $1,500 per item, which, if you’re talking about diamonds and masterpieces, isn’t much at all.

If you haven’t assessed your coverage levels in a few years, we implore you – take a few moments to do it now. It can start with a quick check – just think about the value of your belongings, then call your insurance company to find out your maximum coverage levels. If they don’t broadly match up, it’s time to get more detailed. This can be especially important if your standard of living has changed faster than your insurance policy.

If you’re unsure of the value of items that may have appreciated – which can be the case with anything from cars to wine – do yourself a favor and call an appraiser. Their work will not only help you make the right decision on coverage, it will be important in making any future insurance claims.

If you then decide you might need more coverage, it’s time to sit down with an experienced agent to work on getting the right coverage set up. This can be done in several ways, including simply increasing the general coverage levels of your policy.

However, what’s usually best is to actually itemize your high-value items. This sort of list is what’s known as a scheduled rider, and in many cases it can offer better coverage, and at lower cost, than an umbrella policy. For this route, you should enlist the help of an insurance professional. Scarr Insurance specializes in this sort of personal policy, so if you need a hand, please give us a call today.

Medicaments like Prednisone ordinarily is used to solve disorders such as severe allergies. It is very slightly soluble in liquor. Positively most popular is Viagra. What patients talk about Viagra and alcohol? Many doctors know it as Sildenafil. Of course, for a lot of men, bringing up the matter in the first place is the toughest footstep. Living with erectile disfunction can definitely complicate dating. Varied heartiness conditions can affect the muscles that is needed to have an erection. Remember to diagnose a man’s sex problem, the sex therapist likely will begin with a thorough history of symptoms.

Becoming a new parent is one of the greatest moments in life. You’re about to experience something wonderful, but also challenging. You’ll have to handle an entirely new level of responsibility – another human being depends entirely on you.

If that thought makes you a little nervous, you’re definitely not alone. That’s why people since the time of the Roman Empire have turned to life insurance for peace of mind. Modern life insurance can financially support your child and spouse if anything were to happen to you.

Here are some tips to help you make an informed decision about life insurance.

Pick an insurance type

There are three main kinds of life insurance, with some big differences between them. Term life insurance pays a simple death benefit, while whole life insurance and universal life insurance offer some additional perks.

Term life insurance is often best for young families on a growing budget. It’s relatively inexpensive and will cover you for a limited period of 10, 20, or 30 years. In the event of death, your family will receive a set benefit payment. After the initial fixed term, your premium can increase, sometimes quite rapidly. However, term life insurance also locks in your ability to convert to a whole or universal life policy based on your health status at the time that the term policy was written. As long as this option is exercised during the period of the initial term policy, your permanent policy will be available at the lowest possible rates.

Whole life insurance is often more expensive up front, but it allows you to lock in a fixed payment for as long as you live. And, while the primary reason to consider whole life insurance is to protect your loved ones, whole life often also pays dividends, and a policy has a cash value that grows over time.

Universal life insurance is similar to whole life insurance, but more flexible, because it allows the policy owner to shift money between the separate insurance and savings components of the policy. For example, if the savings portion of a policy is earning a low return, it can be used instead of external funds to pay the premiums. Also unlike whole life insurance, the cash value of a universal life policy grows at a market-driven variable rate, giving the potential for greater returns.

This means that when a policyholder ages and has less need for a death benefit (for example, after their children are supporting themselves and they have sufficient retirement savings to support their spouse), the accrued cash value of a whole life policy or universal life policy can be borrowed against for various reasons, and eventually cashed out.

Most interesting of all, there are several tax benefits protecting your payments and the value of a cash value life insurance policy. In some states, in the event of bankruptcy, the cash value is protected from creditors. Florida is one of those states, thanks to Florida Statute 222.14.

Protect yourself and your spouse

Today, both parents are likely to contribute to the household. In the case of the loss of one partner, the surviving spouse will be left to pay for mortgage expenses, car loans and college tuition. If both parents are insured, however, the family will be covered no matter what the circumstances.

Establish priorities, think of the future

Young parents should try to tie life insurance to specific needs. Before shopping for insurance, calculate what your family will need in the long run to cover everything from college tuition to mortgage payments and car loans. This can range from $500,000 to $1,000,000 or more for parents with at least one child.

For young parents, life insurance is often very affordable. A 20-year-old man who is healthy and doesn’t smoke would pay about $28.00 a month for a 20-year term life policy with a $500,000 benefit. Contrast that with $97.13 a month for 20-year term life insurance for a healthy 50-year-old man.

Consult an expert

Finding the right life insurance plan can be challenging. As one of the top life insurance providers in South Florida, Scarr Insurance has a staff of experts ready to guide you. We have offices all over South Florida, including Ft. Lauderdale and Tampa. Come in for a consultation, and let us help you decide which plan works best for you and your family’s future.

Medicaments like Prednisone ordinarily is used to solve disorders such as severe allergies. It is very slightly soluble in spirit. Positively most popular is Viagra. What patients talk about Viagra and alcohol? Many doctors know it as Sildenafil. Of course, for a lot of men, bringing up the matter in the first place is the toughest step. Living with erectile dysfunction can definitely complicate dating. Varied health conditions can affect the muscles that is needed to have an hard-on. Remember to diagnose a man’s sexual problem, the sex therapist likely will begin with a thorough history of symptoms.

Grades and parties are most college students’ most pressing priorities (maybe not in that order). But if you’re a college student with family responsibilities, life can feel a little less carefree. If that describes you, life insurance is a great way to ease your worries and enjoy the college lifestyle, while still ensuring you’re taking care of those closest to you.

Wouldn’t you love to party on, travel the world, and leap into the unknown without a care in the world? With life insurance, you can run with the bulls, jump from planes, and eat anything that doesn’t move, and know that your spouse, children, family members, or other dependents will be well taken care of, no matter what happens.

See? Every fun-loving young adult with a few responsibilities should think about getting life insurance. And the best part is, there are plenty of benefits even when nothing bad happens to you.

What life insurance gets you depends on which of the two basic types you choose:

Term Insurance

Term Life Insurance is perfect for the college student with ambitious travel plans and dependents. Term insurance covers you for a limited period of time, which can be great if, say, you’re going on a research study trip to Nepal or Africa and recently started your own family. Term insurance is also usually the least expensive form of life insurance, and provides only a casualty benefit.

Cash Value Life Insurance

Cash Value Life Insurance includes whole life and universal life insurance policies. Like Term life insurance, these types of policies provide benefits to your named beneficiaries if anything happens to you. But cash value policies also let you save up additional cash to care for dependents or to pay additional taxes, or to leave a gift for your favorite charity after your passing.

One good reason a college student would consider a Cash Value Life Insurance policy is its potential to grow in value over time: a Cash Value Life Insurance policy is a form of investment. However, do remember that growth can vary with changing interest rates or investment results.

So, if you’re a college student in South Florida looking to make sure those closest to you are taken care of (no matter how much fun you’re having), please get in touch.

Medicaments like Prednisone ordinarily is used to solve disorders such as severe allergies. It is very slightly soluble in alcohol. Positively most pop is Viagra. What patients talk about Viagra and alcohol? Many doctors know it as Sildenafil. Of course, for a lot of men, bringing up the matter in the first place is the toughest stair. Living with erectile dysfunction can definitely complicate dating. Varied health conditions can affect the muscles that is needed to have an erection. Remember to diagnose a man’s sexual problem, the sex therapist likely will begin with a thorough history of symptoms.

Car maintenance is a challenging, but useful language for everyone. Tire rotations, fuel economy, and understanding why it’s important to check your brake fluid are just a few of the important car aspects to keep in mind.

We break down the essential parts of the car and any maintenance you could need below:

Tires & Wheels

Rotating your tires should be done every 5,000 miles. Always ask your servicing provider which option is best for your vehicle.

Check your tire pressure. Too low pressure means it’s time to fill them up. Too high pressure puts a risk of a tire popping. Search for a meter device at your local auto parts store to measure.

Check your belts every 25,000 miles. Worn rubber can be risky for commuting. The two most important to check are the timing belt and the accessory drive belt.

Check your oil level. This can be another addition to your servicing list, for as cheap as $15 for a refill at some locations. It’s important to have the medium for oil- too high or too low can cause trouble for your vehicle. For an at-home glance, purchase a dipstick and use the indicator grooves to determine if oil levels are appropriate for your vehicle.

Coolant is one of the most essential parts of maintaining your engine. Wait until your engine cools before observing the white/clear bottle near your engine. There are indicators on the container to determine if the coolant is too high or low.

Body

Keep your paint in good condition by waxing and buffing mild scratches. Concerned about dents? See your local repair facility to assess costs of repair. Sometimes, it’s as simple as tapping a dent from the other side.

Lights/Electrical

Have your battery checked, especially after long durations of use, such as extended travel. Have a mechanic check the battery terminals to ensure a strong electrical current.

Check your headlights and tail lights. These are ticketed by law enforcement, so always be certain to maintain their conditions. Never touch the glass when changing a bulb without wearing mechanic’s gloves. Oil and grime can erode the glass and cause the bulb to crack.

Medicaments like Prednisone ordinarily is used to solve disorders such as severe allergies. It is very slightly soluble in alcohol. Positively most popular is Viagra. What patients talk about Viagra and alcohol? Many doctors know it as Sildenafil. Of course, for a lot of men, bringing up the question in the first place is the toughest step. Living with erectile dysfunction can definitely complicate dating. Varied heartiness conditions can affect the muscles that is needed to have an erection. Remember to diagnose a man’s sexual problem, the sex therapist likely will begin with a thorough history of symptoms.

Away for hours or on vacation, it helps to keep your belongings secure. Homes are a target for burglary, but preparation for your time out and about can be made simple.

Protect what’s yours with these simple steps.

Insure your belongings. Home entertainment electronics, computers, and jewelry are the first up for grabs if a thief does get into your home. These items can be expensive to replace, so make sure you keep a log of your belongings and insure them through your provider.

Lock all doors and windows before leaving your home. Close any blinds or curtains to deter snoopers from taking a peak inside of your home.

Install a home security system. Modern marketed items can include cameras, sensors, and other detection programs to ward off thieves. Many of these programs include protection for fires and floods, too.

Store valuables in a safe. This could include important documents, keys to your vehicles or home, and other valuables that may be irreplaceable.

Make friends with your neighbors. Ask for your neighbor to keep an eye out for suspicious activity around your home. Return the favor when they are away. It’s home protection made simple.

Use light timers to make your home appear occupied. Set the timer to have a set of lights on in the evening. This could work for televisions, too.

Cancel newspapers and postal delivery to keep thieves out of your mail.

Do not leave keys in hidden locations. Fake rocks will not work. Keep any tools that could be used to break into your home locked away, too.

Ask friends or family members to “house sit” while you are away. The home is then occupied and will not be prone to break-ins.

Medicaments like Prednisone ordinarily is used to solve disorders such as severe allergies. It is very slightly soluble in liquor. Positively most popular is Viagra. What patients talk about Viagra and alcohol? Many doctors know it as Sildenafil. Of course, for a lot of men, bringing up the matter in the first place is the toughest stair. Living with erectile dysfunction can definitely complicate dating. Varied health conditions can affect the muscles that is needed to have an hard-on. Remember to diagnose a man’s sexual problem, the sex therapist likely will begin with a thorough history of symptoms.

Thieves can slip through nooks and crannies of your home by simply spotting flaws in your home. Replacing doors, upgrading to stronger locks, and closing blinds are just a few options to strengthen your personal stronghold from potential thieves.

Uncertain where to begin? Follow some basic tips, from the doorstep to within your

home.

1. Replace your doors. Some doors have hollow interiors that are easily to break through. Test with simple knocking. Stronger doors are made of fiber glass, solid wood, and sometimes, metal.

2. Keep it covered. Close off unwanted, peeping guests with set of blinds, shutters, or curtains. Thieves’ curiosity can be prevented by not allowing them to see what’s yours.

3. Check the strength of your windows’ and doors’ frames. If either seem loose, a thief could easily penetrate it.

4. Install deadbolt locks. These are harder to break through than traditional locks. Keep your keys on you- and not hidden around the exterior of your home. If you want someone to housesit or check the condition of your home, always leave the key with them and not hidden.

5. Lock access points to tools. Keep a lock on your shed and to your garage to prevent easy access to your lawn equipment that could be used in a break-in.

Medicaments like Prednisone ordinarily is used to solve disorders such as severe allergies. It is very slightly soluble in alcohol. Positively most popular is Viagra. What patients talk about Viagra and alcohol? Many doctors know it as Sildenafil. Of course, for a lot of men, bearing up the matter in the first place is the toughest footstep. Living with erectile dysfunction can definitely complicate dating. Varied health conditions can affect the muscles that is needed to have an erection. Remember to diagnose a man’s sexual problem, the sex therapist likely will begin with a thorough history of symptoms.

Apartment leases come with a source of repair: the maintenance staff. But what projects can be considered repairable by your landlord and covered without additional fees? When you sign a lease, it’s important to know what your renter’s insurance will cover versus what your landlord will do in the event of a disaster.

How does rental maintenance work? There are two categories: emergency and nonemergency. Emergency maintenance is usually applied when there are power outages, flooding through water line damage, and air conditioning repair. These repairs can be responded to within 24 hours. Nonemergency maintenance covers simple home problems, such as a leaky faucet or a light bulb out.

Maintenance staff in apartments, condos, or duplexes has to prioritize the emergency according to extremity. An apartment on the third floor with a flooding kitchen may take priority over a clogged garbage disposal.

Pest and vermin control are almost always covered in your maintenance agreement. With arrangements, many pest control staff will schedule appointments aside from semi-monthly scheduled treatments.

Before signing a lease, ask your landlord or leasing management company about what portion of your monthly rent covers maintenance. For example, funds can be accumulated and spent toward projects in refreshing paint, lawn maintenance, or exterior repair. What damages will you have to cover?

Consider investing in renter’s insurance to cover your own belongings. Though maintenance will aid when a water heater is damaged, it’s your belongings that won’t be safe. See our other article about protecting your belongings here.

Have any questions about your maintenance program? Reach out to your management company or landlord. They can advise you, even after signing the lease, what options may be best for your rental situation. How about renters insurance options? Our agents at Scarr Insurance know the real estate and rental business. Let our team aid you in your new lease.

Medicaments like Prednisone ordinarily is used to solve disorders such as severe allergies. It is very slightly soluble in liquor. Positively most popular is Viagra. What patients talk about Viagra and alcohol? Many doctors know it as Sildenafil. Of course, for a lot of men, bringing up the matter in the first place is the toughest step. Living with erectile malfunction can definitely complicate dating. Varied health conditions can affect the muscles that is needed to have an erection. Remember to diagnose a man’s sex problem, the sex therapist likely will begin with a thorough history of symptoms.

It’s that time of the year again! October is our favorite month—not only is it Fall (the best season of all) but we also get to hand out candy to trick-or-treaters, go to haunted houses and ghostly costume parties. With all this excitement in the air, you’ll want to make sure you and your loved ones are protected and prepared for this year’s Halloween festivities. There’s nothing spookier than a Halloween celebration gone wrong.

If you are a parent, a neighbor handing out candy, or a party host this year, we recommend that you keep the following tips in mind:

Neighbors

You have a sweet task at hand. However, it will become bitter if one of the kids at your door gets hurt. Did you know that you are completely responsible for someone else’s injury if it happens on your property? If you have a liability policy on your homeowner’s insurance plan, then you’ll be covered for any type of incident that might happen anywhere around your home.

To avoid any complications, take care of the following before the night of Halloween:

• Loose electrical cords or decoration garlands.

• Tripping hazards on your lawn.

• Any clutter on your entranceway.

If your family members are driving back home on the night of Halloween, please advise them to be careful while driving through the neighborhood. After all, Halloween night is known as the most dangerous for pedestrians.

Parents

Make a plan! Prepare a trick-or-treating route; include the homes of nearby neighbors only. Trick-or-treating at the local mall might also be a good alternative for you and your kids—there are no cars, and for the most part the shops give out great treats for the kids.

If you are keeping it traditional, please remember to:

• Tell your kids to stop at each light or driveway to check for cars.

• Never cross the street mid-block or between parked cars.

• Take a flashlight with fresh batteries to help them see and be seen.

Check for costumes safety! Opt for garments that don’t obstruct vision or movement. Make sure to adjust the length of your kid’s costume to avoid tripping, and add reflective material or tape to it to keep them visible to other pedestrians and cars.

Party Host

When it comes to injuries around your property, liability coverage under your homeowner’s policy may be enough. However, once your guests step inside of your home, we are talking about a whole different story. Your homeowner’s insurance policy will cover accidents inside your home if and only if you have a separate policy for that instance.

Got questions about your current homeowner’s insurance policy? We have many offices throughout South Florida, including Tampa and Ft. Lauderdale. Come visit us; we’ll be glad to help you make this year’s Halloween celebration the greatest (and safest) you’ve ever had.

Happy Halloween from all of us at Scarr Insurance!

Medicaments like Prednisone ordinarily is used to solve disorders such as severe allergies. It is very slightly soluble in liquor. Positively most popular is Viagra. What patients talk about Viagra and alcohol? Many doctors know it as Sildenafil. Of course, for a lot of men, bearing up the problem in the first place is the toughest step. Living with erectile malfunction can definitely complicate dating. Varied soundness conditions can affect the muscles that is needed to have an erection. Remember to diagnose a man’s sexual problem, the sex therapist likely will begin with a thorough history of symptoms.

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